Sygma Bank Credit Cards

izools

Wednesday wrote: »

Well I applied for the Flybe card exactly 7 days ago today.

The card and £2000 limit has just arrived in the post! This in spite of me being deemed over-committed (I am!) by normal high street lenders.

Only problem is that I wanted to transfer a balance and the BT rate on the letter shows as 18.9% The card isn't a lot of use to me unless I can do the BT, to be honest.

Is this normal for Sygma? I only applied for the card in the hope of reducing interest payments on another card. Should I call them up and ask for a deal?

That's the standard rate that the BT reverts to after six months.

Call them up and they will honour the 0% for six months. You may need to escalate the call to a manager if the agent doesn't honour the 0%, but don't worry, you do have it, but the call centre staff can be a bit dopey.

Persevere, and ask them over and over and over "are you sure you've put it on the 0% for six months" to prevent any potential screw ups

sutton111

Wednesday wrote: »

Well I applied for the Flybe card exactly 7 days ago today.

The card and £2000 limit has just arrived in the post! This in spite of me being deemed over-committed (I am!) by normal high street lenders.

Only problem is that I wanted to transfer a balance and the BT rate on the letter shows as 18.9% The card isn't a lot of use to me unless I can do the BT, to be honest.

Is this normal for Sygma? I only applied for the card in the hope of reducing interest payments on another card. Should I call them up and ask for a deal?

Don't they have a BT 0% for the first 6 months?

I have on my Silvercard, which is issued by Sygma too.

Wednesday

sutton111 wrote: »

Don't they have a BT 0% for the first 6 months?

I have on my Silvercard, which is issued by Sygma too.

Yes, I'm sure that's what it said when I applied online. The letter that comes with the card makes no reference to it though.

Thanks both - I'll push for the 0% when I call them to activate it. The card will be cancelled if they say no

izools

Wednesday wrote: »

Yes, I'm sure that's what it said when I applied online. The letter that comes with the card makes no reference to it though.

Thanks both - I'll push for the 0% when I call them to activate it. The card will be cancelled if they say no

Don't let them say no, just get all up in their face and ask to be transferred to someone capable of honouring the advertising

I had to really push and speak to two different team leaders before they honoured the 0% on my MyWorld card. Can be a bot of a joke with them sometimes...

Good luck!

b33

I called Sygma about a week and a half ago to apply for the silver card as I was having issues with the website and putting my address in. I went through the process with the man on the phone, within 5 seconds he said that I was "accepted in principle" and all I had to do is sign the agreement and send it back. Today I called them, they said that they got my agreement back and that my card will take between 7 and 10 days. I have been given a £1000 limit and 24.9% p.a and 0 on BT for 6 months. I thought this was good as I dont have much credit. I have a littlewoods account with £300 a next account that was £300 but they made it £0 for some reason a £500 od with halifax a £150 reserve with barclays premier which I refuse to use oh and a vanquis card with £250, they said that they would give me an increase after 4 months, but 7 months later still nothing!

costaerer

ahhhh still havent heard anything\!

costaerer

how weird is this...i applied last thursday i think, been checking my credit report since and no search showed! i checked my report today and the search looks like it was done today the 23rd! how bad is 7 searches in 6 months!!! ??? :-/

3 of them are shop direct...

izools

b33 wrote: »

I called Sygma about a week and a half ago to apply for the silver card as I was having issues with the website and putting my address in. I went through the process with the man on the phone, within 5 seconds he said that I was "accepted in principle" and all I had to do is sign the agreement and send it back. Today I called them, they said that they got my agreement back and that my card will take between 7 and 10 days. I have been given a £1000 limit and 24.9% p.a and 0 on BT for 6 months. I thought this was good as I dont have much credit. I have a littlewoods account with £300 a next account that was £300 but they made it £0 for some reason a £500 od with halifax a £150 reserve with barclays premier which I refuse to use oh and a vanquis card with £250, they said that they would give me an increase after 4 months, but 7 months later still nothing!

Well done

Don't worry about increases - they're really easy with Sygma cards.

Call them once you've had the account for just three months and they'll increase it to £1,300 - and again every four months thereafter

Wednesday

Done and dusted :T

Got the operator's name and repeated a few times "so that's definitely on 0% for 6 months then?".

TBH, I've never had a call centre try to get me off the phone so fast! They were even good when I declined the PPI - just said fine and moved on.

Thanks everyone for your help and advice. I'm hoping Sygma will be less of a pain to deal with than some other financial institutions I could mention.

b33

izools wrote: »

Well done

Don't worry about increases - they're really easy with Sygma cards.

Call them once you've had the account for just three months and they'll increase it to £1,300 - and again every four months thereafter

Is £1000 their normal minimum opening limit? I was expecting £250 like crappo vanquis!